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Cincinnati city, OH

ZIP 45213 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 45213

Median Home Value
$259,300
Median Rent
$791
Affordability Snapshot
$71,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,666/mo PITI).

13%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.7x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

27.3 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 45213 in Cincinnati city, OH, a household would need roughly $71,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,666. That is roughly in line with the local median household income ($70,897). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
60.1%-8% vs US avg
x
Vacancy Rate
6.8%-34% vs US avg
x
Broadband Access
90.3%+4% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
13.6%+6% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
21.9%-56% vs US avg
x
Mortgage-Free
28.9%-24% vs US avg
x
$259,300
Home Value
$791
Rent
1938
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached58.4%
  • 1-unit attached0.6%
  • 2-9 units34.9%
  • 10+ units6.1%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$259,300
Median rent$791
Owner-occupied60.1%
Vacant6.8%
Price-to-income3.7x
Est. income to buy$71,000